M&T Bank Corp. (MTB) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

SouthState Corp.

Ally Financial, Inc.

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First Citizens BancShares, Inc. (North Carolina)

Commerce Bancshares, Inc. (Missouri)

Cullen/Frost Bankers, Inc.

Truist Financial Corp.

M&T Bank Corp.

Fifth Third Bancorp

First Horizon Corp. (Tennessee)

Fiserv, Inc.

Why is M&T Bank Corp. ?

High Profitability with a Net Interest Margin of 9.98%

Positive results in Jun 25

CASH AND EQV(HY) Highest at USD 4,237 MM
OPERATING PROFIT(Q) Highest at USD 944 MM
OPERATING PROFIT MARGIN(Q) Highest at 36.18 %

With ROA of 1.01%, it has a fair valuation with a 1.13 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 1.87%, its profits have risen by 2.8% ; the PEG ratio of the company is 3

Underperformed the market in the last 1 year

The stock has generated a return of 1.87% in the last 1 year, much lower than market (S&P 500) returns of 14.11%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to M&T Bank Corp. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is M&T Bank Corp. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

M&T Bank Corp.

22.32%

1.63

26.34%

S&P 500

22.99%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

20.12%

EBIT Growth (5y)

11.55%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

33.53%

Pledged Shares

Institutional Holding

96.18%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.20

EV to EBIT

8.71

EV to EBITDA

7.83

EV to Capital Employed

1.25

EV to Sales

2.71

PEG Ratio

0.65

Dividend Yield

2.78%

ROCE (Latest)

14.41%

ROE (Latest)

9.75%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

7What is working for the Company

ROCE(HY)

Highest at 1.38%

GROSS NPA (%)

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(HY)

Highest at 85.45%

-6What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 3,691 MM

ROCE(HY)

Lowest at 1.38%

NET SALES(Q)

Lowest at USD 2,536 MM

Here's what is working for M&T Bank Corp.

Non Performing Loans (%)

Lowest at 0.89%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Credit Deposit Ratio

Highest at 85.45%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for M&T Bank Corp.

Operating Cash Flow

Lowest at USD 3,691 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Net Sales

Lowest at USD 2,536 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Non Operating Income

Highest at USD 0.04 MM

in the last five periods

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating income

Capital Adequacy Ratio

Lowest at 11.81%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)